Dispute Your Address first

Here’s a suggestion! One of my friends is moving, and wants to THEN go through some credit improvement and hopefully buy in 6 or 7 months.

FIRST SUGGESTION… get your drivers license changed to your new address. Make a copy of it. Send it to the BIG THREE credit agencies saying this is my address, please remove the other addresses that you have on file as they are incorrect.

Why do this? If you are disputing a late payment from two years ago – they are going to “proof” their records back to you. The address they have on file will be incorrect! This could improve your chances of getting the incorrectly noted late payment off of your report!

Like this:

About Eleanor Thorne

I see myself differently than most loan officers in the Cary/Raleigh market. As a rare Cary native, I see myself as an expert on the area, on mortgage industry changes & factors that effect rates! I’ve lived in Cary since 1968 – and I’m second generation “mortgage.” I work with my husband, Steve Thorne Mortgage Loan Originator #60596 Equal Housing Lender

Trackbacks

Beware Tip# 1: When people have faced credit challenges in the past collection accounts are normally on their credit report. When looking to obtain a mortgage, collection accounts will normally need to be paid off (although there are exceptions to this…